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PNB Scheme for Financing Apiculture (Bee-Keeping)

Need-based finance for honey houses, bee colonies and beekeeping equipment. PNB requires adequate beekeeping experience and a minimum unit of 10 hives; repayment is 5 years including a 12-month gestation period.

Maximum financeNeed-based at unit cost approved by KVIC, NABARD or the State Government. The amount depends on unit size, colony count, equipment and comb-foundation-sheet costs. The sheet gives no fixed rupee ceiling.Repayment5 years including a 12-month gestation period.Facility typeNeed-based agriculture finance for eligible apiculture/beekeeping units.
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PNB Scheme for Financing Apiculture (Bee-Keeping)

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Small/marginal farmers, agricultural-labourer individuals, associations of persons and companies with adequate beekeeping experience may apply?

Published source: Eligibility

2Do you meet this requirement: The minimum unit is 10 bee hives?

Published source: Eligibility

3Do you meet this requirement: PNB's general checklist lists a duly completed agriculture-credit application?

Published source: General agriculture-credit document checklist

4Do you meet this requirement: two recent photographs not older than 6 months?

Published source: General agriculture-credit document checklist

5Do you meet this requirement: and land-record particulars?

Published source: General agriculture-credit document checklist

6Document checkDo you have this required document or proof: PNB's general agriculture-credit checklist lists a completed application, self-attested identity proof, residence proof, two recent photographs and land-record particulars. PNB does not label it an exhaustive apiculture checklist?

Published source: General agriculture-credit document checklist

7Document checkDo you have this required document or proof: self-attested identity proof?

Published source: General agriculture-credit document checklist

8Document checkDo you have this required document or proof: residence proof?

Published source: General agriculture-credit document checklist
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 6 Oct 2026 · active
Offered byPunjab National Bank

See the official bank source for geographic availability.

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Facility typeNeed-based agriculture finance for eligible apiculture/beekeeping units.View source
The states need-based finance based on approved unit cost and unit size.
Source
Scheme for Financing Apiculture (Bee-Keeping)
Page / section
page 1, title and Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
PurposeConstruct honey houses and buy bee colonies and equipment such as boxes, honey extractors, smokers, bee veils, foundation sheets, gloves and sugar.View source
The full equipment list in the purpose clause is retained.
Source
Scheme for Financing Apiculture (Bee-Keeping)
Page / section
page 1, Purpose
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
EligibilitySmall/marginal farmers, agricultural-labourer individuals, associations of persons and companies with adequate beekeeping experience may apply. The minimum unit is 10 bee hives.View source
The sheet specifies applicant types, adequate experience and a minimum 10-hive unit.
Source
Scheme for Financing Apiculture (Bee-Keeping)
Page / section
page 1, Eligibility
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Maximum financeNeed-based at unit cost approved by KVIC, NABARD or the State Government. The amount depends on unit size, colony count, equipment and comb-foundation-sheet costs. The sheet gives no fixed rupee ceiling.View source
Both the approved unit-cost basis and factors determining finance are stated; no numerical ceiling appears.
Source
Scheme for Financing Apiculture (Bee-Keeping)
Page / section
page 1, Extent of Loan (a–b)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Repayment5 years including a 12-month gestation period.View source
The five-year term includes, rather than adds to, the 12-month gestation period.
Source
Scheme for Financing Apiculture (Bee-Keeping)
Page / section
page 1, Repayment
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Application decision timePNB's general agriculture-credit guideline lists maximum disposal times by credit limit: up to ₹2 lakh, 2 weeks; above ₹2 lakh to ₹50 lakh, 4 weeks; above ₹50 lakh to ₹1 crore, 5–6 weeks; above ₹1 crore to ₹100 crore, 6–7 weeks; above ₹100 crore, 8–9 weeks. This is not an individual sanction-date promise.View source
The bank-wide published agriculture application timeline is reproduced separately from product approval or sanction.
Source
PNB General Guidelines for Agricultural Credit
Page / section
Section 1, Time Schedule for Disposal of Loan Applications
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
General agriculture-credit document checklistPNB's general checklist lists a duly completed agriculture-credit application; self-attested identity proof; residence proof; two recent photographs not older than 6 months; and land-record particulars. The checklist is not stated as exhaustive for apiculture.View source
The page lists the agriculture application, identity, residence, two recent photographs and land records.
Source
PNB Agricultural Banking
Page / section
Documents Required for Agriculture Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Conditional bank-wide prepayment/closure ruleFor a non-individual borrower taking over a loan to shift to another bank/FI, PNB's current schedule states 2% of the prepaid amount on term loans and 2% of the sanctioned limit when a cash-credit/overdraft facility is closed before its due date. For CC/OD, the stated charge does not apply if written non-renewal notice is given 3 months before the due date and the facility closes on that date. The page lists additional exemptions, including specified floating-rate individual/MSE loans, MSE borrowers, own-source repayment and other stated cases. Exact applicability depends on borrower, purpose, facility, rate type and closure route.View source
The rule is conditional and is not represented as a universal product charge; see the linked full terms table for all stated exceptions.
Source
PNB Credit Related Service Charges — current page
Page / section
Section 10.15, Pre-Payment/Fore Closure; full listed exceptions
Accessed
6 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • The eligible project may include honey-house construction, colonies, boxes, extractors, smokers, veils, foundation sheets, gloves and sugar
  • Published repayment is 5 years including 12 months of gestation

Eligibility

  • Small/marginal farmers, agricultural-labourer individuals, associations of persons and companies may apply if they have adequate beekeeping experience.
  • The minimum unit is 10 bee hives.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • PNB's general agriculture-credit checklist lists a completed application, self-attested identity proof, residence proof, two recent photographs and land-record particulars. PNB does not label it an exhaustive apiculture checklist.

Related official documents

PNB Agriculture Loan Schemes catalogueofficial-product-catalogue-page · current · accessed 6 Oct 2026
↗
PNB Credit Related Service Charges — agriculture-credit scheduleofficial-service-charge-schedule · latest-reviewed-agriculture-specific-schedule · accessed 6 Oct 2026
↗
PNB Agricultural Banking — documents required for agriculture loanofficial-agriculture-banking-page · current · accessed 7 Oct 2026
↗
PNB General Guidelines for Agricultural Credit — current application, ACABC margin and security rulesofficial-general-guidelines-page · current-relevant-sections-reviewed · accessed 8 Oct 2026
↗
PNB Interest Rates on Advances — current agriculture and specific-scheme ratesofficial-rate-table · current · accessed 6 Oct 2026
↗
Scheme for Financing Apiculture (Bee-Keeping)official-scheme-pdf · current-catalogue-linked-scheme-sheet · accessed 6 Oct 2026
↗
PNB Credit Related Service Charges — current pageofficial-service-charge-page · current-charge-schedule-reviewed-scoped-sections · accessed 8 Oct 2026
↗

Plan before applying

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Loan repayment estimate

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One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

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Purpose · Published termConstruct honey houses; purchase colonies and boxes, extractors, smokers, bee veils, foundation sheets, gloves, sugar and other listed equipment.

This value is copied from PNB Apiculture Finance — complete published terms. Check the table notes before relying on it.

Source: Scheme for Financing Apiculture (Bee-Keeping) · page 1, all clauses Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 6 rows · 2 columnsPNB Apiculture Finance — complete published termsComplete transcription of all sections from the one-page PNB bee-keeping sheet.View tableHide table

Scroll sideways to view every column

PNB Apiculture Finance — complete published terms
Scheme itemPublished term
PurposeConstruct honey houses; purchase colonies and boxes, extractors, smokers, bee veils, foundation sheets, gloves, sugar and other listed equipment.
Eligible applicantsSmall/marginal farmers, agricultural-labourer individuals, associations of persons and companies with adequate beekeeping experience.
Minimum unit10 bee hives.
Loan extent — basisNeed-based, as per unit cost approved by KVIC, or the State Government.
Loan extent — factorsDepends on unit size, number of colonies, equipment cost and comb-foundation-sheet cost.
Repayment5 years including a 12-month gestation period.
Scheme for Financing Apiculture (Bee-Keeping) · page 1, all clauses · accessed 6 Oct 2026Open official source ↗
Table 2 · 5 rows · 2 columnsPNB agriculture-credit application disposal timelineGeneral PNB agriculture-credit maximum disposal times by applied credit limit; not a promised individual sanction date.View tableHide table

Scroll sideways to view every column

PNB agriculture-credit application disposal timeline
Credit limitMaximum published time
Up to ₹2 lakh2 weeks
Above ₹2 lakh to ₹50 lakh4 weeks
Above ₹50 lakh to ₹1 crore5–6 weeks
Above ₹1 crore to ₹100 crore6–7 weeks
Above ₹100 crore8–9 weeks
  • Bank-wide guideline; not an individual sanction promise.
PNB General Guidelines for Agricultural Credit · Section 1, Time Schedule for Disposal of Loan Applications · accessed 6 Oct 2026Open official source ↗
Table 3 · 7 rows · 2 columnsPNB early-closure terms relevant to these agriculture schemesCurrent bank-wide takeover/early-closure schedule. The charge depends on borrower type, facility, purpose, rate type and closure route; it is not a blanket product charge.View tableHide table

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PNB early-closure terms relevant to these agriculture schemes
CasePublished charge/condition
Non-individual borrower takes over a term loan to shift to another bank/FI2% of the amount being prepaid.
Non-individual borrower closes cash credit/overdraft before due date to shift lenders2% of the sanctioned limit.
Cash credit/overdraft closed on the due dateNo prepayment charge if written notice of intent not to renew is given 3 months before the due date.
Floating-rate loans/advances to individuals for non-business purposesNo prepayment charges, with or without co-obligants; applies to partial or full prepayment regardless of funds source and without a minimum lock-in.
Floating-rate business loans/advances to individuals and No prepayment charges, with or without co-obligants; applies to partial or full prepayment regardless of funds source and without a minimum lock-in.
Dual/special rate with fixed and floating periodsThe floating-rate exemption depends on whether the facility is on floating rate when it is prepaid.
Other stated exemptionsNo charge for borrowers; microfinance loans except loans to -; eligible fixed-rate loans with a reset clause when the borrower chooses floating rate at reset; prepayment from the borrower's own sources; specified lender-switches after a spread/term change or benchmark reset; bank-initiated closure for listed reasons; and loans/advances against PNB's own deposits/liquid securities sanctioned or renewed on/after 01 January 2026.
  • The 2% charge is not applied to every customer or every loan. Check the sanction terms and the full conditions.
PNB Credit Related Service Charges — current page · Section 10.15, Pre-Payment/Fore Closure, all clauses and exceptions · accessed 6 Oct 2026Open official source ↗

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